This home is in Madeira, St. Augustine.

Active

Active·3 days on market·Madeira

261 Lamego Lane

St. Augustine, FL 32095

$697,900$389/sqftEst. $3,558/moMLS# 2156251

Beds

Baths

1,796

Sq Ft

2026

Built

Garage

Pool

About this home

Madeira

This home plan opens from a porch with a 12-foot ceiling entry that leads into a central hall and an open living area. The floor plan features a kitchen with a walk-in pantry and a large island with built-in seating. The family room features a wall of windows, a wood mantel fireplace, and the morning area is surrounded by sliding glass doors with easy access to the extended covered lanai. The spacious primary bedroom features a primary bathroom that includes a freestanding tub, a glass-enclosed shower, dual vanities, and two walk-in closets. Three secondary bedrooms and three private full bathrooms are located throughout the floor plan. A flex room provides versatile living space, while a utility room and drop zone provide everyday convenience. This home plan includes a three-car garage.

Cost to own

Mortgage calculator

Home Price

$697,900

Down Payment: 20%

$139,580

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,558

Principal & Interest: $3,558

Property taxes (est.): $929

Insurance (est.): $465

Estimated Total Monthly

$4,952

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$3,558

Property taxesest. at asking price, St. Johns County$929

HOAbilled quarterly$142

Estimated total, before insurance$4,629/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 20, 2026Listed$697,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$697,900

Price / Sq Ft$389

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,796

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesWest

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address261 Lamego Lane, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0734321220

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground

UtilitiesElectricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Plumbed For Ice Maker

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup